Civic Intelligence

Bay County Contractors & Associates

EIN 81-1710410 • 501(c)6 • Panama City, FL

Profile

Securing the future of local contractors, engineers, and vendors for generations to come

1741 N Sherman AvePanama City, FL 32405

www.baycountycontractors.net

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

91st percentile

36%

Higher net margin than 91% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

99th percentile

412%

Faster asset growth than 99% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

53rd percentile

0.7%

Faster revenue growth than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Up

$34,672

Up $27,906 (+412%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$34,672

Up $27,906 (+412%) from 2024

Revenue

Up

$77,873

Up $576 (+0.7%) from 2024

Expenses

Down

$49,967

Down $58,129 (-54%) from 2024

Net Income

Up

$27,906

Up $58,705 (+191%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60K$40K$20K$0Assets 2017: $26,023Liabilities 2017: $0Net Assets 2017: $26,0232017Assets 2018: $34,356Liabilities 2018: $0Net Assets 2018: $34,3562018Assets 2019: $22,210Net Assets 2019: $22,2102019Assets 2020: $15,204Net Assets 2020: $15,2042020Assets 2021: $56,945Net Assets 2021: $56,9452021Assets 2022: $26,331Liabilities 2022: $02022Assets 2023: $37,565Liabilities 2023: $02023Assets 2024: $6,766Net Assets 2024: $6,7662024Assets 2025: $34,672Net Assets 2025: $34,6722025

Highlighted filing

2025

Assets$34,672
Liabilities-
Net Assets$34,672

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KRevenue 2017: $128,567Expenses 2017: $102,544Net Income 2017: $26,0232017Revenue 2018: $141,858Expenses 2018: $133,525Net Income 2018: $8,3332018Revenue 2019: $154,750Expenses 2019: $166,897Net Income 2019: -$12,1472019Revenue 2020: $105,667Expenses 2020: $112,673Net Income 2020: -$7,0062020Revenue 2021: $96,166Expenses 2021: $54,425Net Income 2021: $41,7412021Revenue 2022: $69,405Expenses 2022: $100,019Net Income 2022: -$30,6142022Revenue 2023: $65,193Expenses 2023: $53,959Net Income 2023: $11,2342023Revenue 2024: $77,297Expenses 2024: $108,096Net Income 2024: -$30,7992024Revenue 2025: $77,873Expenses 2025: $49,967Net Income 2025: $27,9062025

Highlighted filing

2025

Revenue$77,873
Expenses$49,967
Net Income$27,906

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 5, 2026
Return Version
2025v4.0
Gross Receipts
$77,873
Mission and Program Overview

Mission

Securing the future of local contractors, engineers, and vendors for generations to come

Program Services

DescriptionGrantsExpenses
THE ORGANIZATION WILL PROVIDE OPPORTUNITIES FOR CONSTRUCTION CONTRACTORS AND AFFILIATED BUSINESSES TO GATHER TOGETHER TO NETWORK, SHARE IDEAS AND DISCUSS ISSUES AFFECTING THEIR SPECIFIC INDUSTRY WITHIN BAY COUNTY, FLORIDA. MAJOR EVENTS WILL BE HELD EACH SPRING AND FALL, AND MONTHLY MEETINGS ARE HELD ON THE FIRST TUESDAY OF EACH MONTH. MONTHLY MEETINGS WILL BE HELD AT A RENTED FACILITY AS THE ORGANIZATION DOES NOT HAVE ITS OWN BUILDING OR MEETING FACILITY. MAJOR EVENTS WILL BE HELD AT SITES WHERE THE USE IS DONATED BY MEMBERS OF THE ORGANIZATION.-$42,395
THE ORGANIZATION WILL REACH OUT TO THE COMMUNITY TO IMPROVE BAY COUNTY, FLORIDA AND TO FACILITATE THE COMMUNITY'S RELATIONSHIP WITH ITS CONSTRUCTION CONTRACTORS. THIS WILL OCCUR VIA MEMBERSHIP SERVICE DAYS AND DONATIONS TO VARIOUS COMMUNITY PROJECTS AND/OR NOT FOR PROFIT INITIATIVES. AT A MINIMUM, EACH YEAR THE ORGANIZATION WILL CHOOSE A COMMUNITY PARTNER TO ASSIST. THE ORGANIZATION BELIEVES THIS FOSTERS GOODWILL FOR THE COMMUNITY AND ITS CONSTRUCTION CONTRACTORS AND MAKES BAY COUNTY, FLORIDA A BETTER PLACE TO LIVE AND WORK.$5,000$5,000
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
GEORGE ROBERTSPresident-$0--
MATT MARSHALLVice Preside-$0--
JOHN LEWISTreasurer-$0--
JIM SLONINASecretary-$0--
Filing and Contact Details

Filer

Filer Name
Bay County Contractors & Associates
EIN
81-1710410
Phone
8502158001
Address
1741 N SHERMAN AVE, PANAMA CITY, FL 32405

Signing Officer

Name
George Roberts
Title
President
Phone
8502158001
Signed
2026-02-05
Discuss with paid preparer
Yes

Preparer

Firm
Tipton Marler Garner & Chastain
Address
P O BOX 1100, PANAMA CITY, FL 32402-1100
Preparer
Phillip Easton Ramer CPA
Phone
8507699491
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

O/s check did not clear 1,976 total 1,976

Form 990-ez, Part I, Line 16

Expenses website 625 meetings 34,845 consulting services 7,550 bank & cc fees 480 total 43,500

Form 990-ez, Part III

Securing the future of local contractors, engineers, and vendors for generations to come

Form 990-ez, Part III, Line 28

The organization will provide opportunities for construction contractors and affiliated businesses to gather together to network, share ideas and discuss issues affecting their specific industry within bay county, florida. Major events will be held each spring and fall, and monthly meetings are held on the first tuesday of each month. Monthly meetings will be held at a rented facility as the organization does not have its own building or meeting facility. Major events will be held at sites where the use is donated by members of the organization.

Form 990-ez, Part III, Line 29

The organization will reach out to the community to improve bay county, florida and to facilitate the community's relationship with its construction contractors. This will occur via membership service days and donations to various community projects and/or not for profit initiatives. At a minimum, each year the organization will choose a community partner to assist. The organization believes this fosters goodwill for the community and its construction contractors and makes bay county, florida a better place to live and work.

Form 990-ez, Part V

Information regarding personal benefit contracts: the organization did not, during the year, receive any funds, directly, or indirectly, to pay premiums on a personal benefit contract. The organization, did not, during the year, pay any premiums, directly, or indirectly, on a personal benefit contract.

Raw XML Appendix114 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt05000
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0O/S CHECK DID NOT CLEAR 1,976 TOTAL 1,976
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES WEBSITE 625 MEETINGS 34,845 CONSULTING SERVICES 7,550 BANK & CC FEES 480 TOTAL 43,500
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION WILL PROVIDE OPPORTUNITIES FOR CONSTRUCTION CONTRACTORS AND AFFILIATED BUSINESSES TO GATHER TOGETHER TO NETWORK, SHARE IDEAS AND DISCUSS ISSUES AFFECTING THEIR SPECIFIC INDUSTRY WITHIN BAY COUNTY, FLORIDA. MAJOR EVENTS WILL BE HELD EACH SPRING AND FALL, AND MONTHLY MEETINGS ARE HELD ON THE FIRST TUESDAY OF EACH MONTH. MONTHLY MEETINGS WILL BE HELD AT A RENTED FACILITY AS THE ORGANIZATION DOES NOT HAVE ITS OWN BUILDING OR MEETING FACILITY. MAJOR EVENTS WILL BE HELD AT SITES WHERE THE USE IS DONATED BY MEMBERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION WILL REACH OUT TO THE COMMUNITY TO IMPROVE BAY COUNTY, FLORIDA AND TO FACILITATE THE COMMUNITY'S RELATIONSHIP WITH ITS CONSTRUCTION CONTRACTORS. THIS WILL OCCUR VIA MEMBERSHIP SERVICE DAYS AND DONATIONS TO VARIOUS COMMUNITY PROJECTS AND/OR NOT FOR PROFIT INITIATIVES. AT A MINIMUM, EACH YEAR THE ORGANIZATION WILL CHOOSE A COMMUNITY PARTNER TO ASSIST. THE ORGANIZATION BELIEVES THIS FOSTERS GOODWILL FOR THE COMMUNITY AND ITS CONSTRUCTION CONTRACTORS AND MAKES BAY COUNTY, FLORIDA A BETTER PLACE TO LIVE AND WORK.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INFORMATION REGARDING PERSONAL BENEFIT CONTRACTS: THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY, OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT. THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY, OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART III, LINE 29
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990-EZ, PART V
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PHILLIP EASTON RAMER CPA
ReturnHeader/ReturnTs02026-02-23T05:43:15-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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